Great evaluation and good topic to share. I think it's the "fast-food mentality" which says give me what I want now even if I have to pay more for it later. For this matter, they pay more in money, with fast food they pay for it with their health.
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Completely agree. Its the same reason so many people get hosed on ponzi schemes and high investment return scams. People cant be bothered to wait a small amount of time for the larger pay off when they can get it here and now. The sad thing is you end up waiting anyway by just living life, so its pointless in the long run. Thats why we have so much credit card debt in US.